Member Owned • Member Governed
Join a Cooperative That Helps You Save, Borrow & Grow Together
Build disciplined savings, access affordable credit, own shares with annual dividends, and manage your membership through secure digital banking — alongside a cooperative community that grows with you.
- Affordable Loans
- Annual Dividends
- Secure Digital Banking
Who Is This For?
Designed for members with different goals and life stages.
Employees
Salaried workers building long-term savings
Business Owners
Entrepreneurs seeking growth capital
Farmers
Agricultural members with seasonal income
Youth
Young professionals starting their journey
Groups
Chamas and registered member groups
Retirees
Members planning secure retirement income
Key Benefits
Why members choose this product.
Access to Credit
Affordable loans once eligibility is met
Competitive Savings
Member-friendly savings and deposit products
Dividend Eligibility
Share capital ownership with annual dividends
Digital Access
Member portal, statements, and SMS alerts
Member Protection
Governed by elected board and transparent policies
Financial Guidance
Branch support from trained member services staff
Requirements
What you need before you apply.
Eligibility
- Kenyan citizen or resident
- Minimum age 18 years
- Regular source of income or savings capacity
Documents
- National ID or passport
- Passport-size photograph
- Proof of income or employment
- Completed membership application form
Minimum Contribution
- Entrance fee as per SACCO bylaws
- Minimum share capital on activation
- Initial savings deposit (product dependent)
Membership Requirements
- Attend orientation or branch introduction
- Sign membership agreement
- Activate account within 30 days of approval
How It Works
A clear step-by-step journey from start to finish.
Product Features
Rates, terms, and rules at a glance.
| Feature | Detail |
|---|---|
| Entrance Fee | As per cooperative bylaws |
| Share Capital Minimum | Required on activation |
| Membership Type | Individual & group |
| Processing Time | 3–7 business days |
| Account Activation | Upon fee & share payment |
| Member Portal | Available after activation |
| Branch Access | All member service branches |
| Annual Dividends | For qualifying share holders |
* Rates and terms are indicative. Final terms confirmed at application.
Frequently Asked Questions
Answers to common questions about Membership.
Complete the membership application, submit KYC documents, pay the entrance fee and minimum share capital, and activate your account at any branch.
Yes. Registered groups may apply with authorised signatories and group registration documents.
The minimum is set by SACCO bylaws and communicated during application. It is payable upon approval.
Yes. Business owners and self-employed members are welcome with proof of income or business registration.
After account activation and meeting savings history requirements for the loan product you choose.
Each person applies individually. Spouses and adult children may hold separate memberships.
You receive feedback on the reason and may reapply once outstanding requirements are resolved.
Membership itself does not require guarantors. Loan products may require guarantors separately.
Yes, subject to exit procedures, settlement of obligations, and share capital refund rules.
Membership is personal. Share capital may be transferred per SACCO share transfer policy.
Ready to join a cooperative that puts members first?
Start your membership application today and unlock savings, credit, and community support.